Key financial figures Million RON 2013 2014 2015 Clients portfolio 886 1250 1563 Loan production 634 837 950 Net interest income 28.7 Risk -1.8 38 44 OPEX -12.7 -2.5 -5 Gross profit 14.2 -16 -18.4 Net profit 19.5 20.6 12 16.5 17.3 ROE 13% 16% 15%